So, I had my credit score pulled just before my investigation interview. Since then my score has went up significantly. When they pulled it my score was around 640. Now, it has been mid 700s for a few months. Can I have them redo my credit pull to use that score?

This post is for Amber, EdFarm, or Marko. The issue was my credit usage percentage was too high, because I did not have much credit out in my name. I was allotted much more than $1,000. So, my amount of credit used was paid down and the amount of credit available was increased tenfold. Now, my percentage usage is around 10% and my score is projected to keep being strong.

Score doesn’t matter. The full report is used to find employers, other used names, addresses, delinquency, etc. The score is better if you are not delinquent, but the score itself doesn’t matter. Improvements due to credit line increases (usage ratio reduction) doesn’t reflect anything that matters to adjudicators.

They are more interested in on time payment history and debt to income ratio then one number that can change based on which of the 3 agencies made it. The other stuff is common across all 3 so it doesn’t matter where they pull from, though they probably pull all 3.

Payment history yes - there is nothing on SF86 for debt to income ratio and I have never seen anyone request a monthly statement based on expenses and income. Some places you work don’t reveal your past salary so there is no way for them to know your income unless they ask which it isn’t a requirement to disclose

Maybe in the case of a SOR but that’s not for initial approval. Make your payments on time. In terms of living outside your means, what would your references say? If there is nothing to reveal then you don’t have to worry

It’s a useless metric. You can max out card on a benefits card for airline points, government takes a snap, now you are at 100%. Pay it off next month. Or have ten cards doing the same thing. As long as you are paying it doesn’t matter.

Yup, you can max out all your cards and if you are paying the Bill’s, it’s a minor thing that may enter into “whole person” calculations…maybe, but if you miss payments, have delinquencies, then there are issues.